ARM vs Fixed Reality Check

Model rate caps, adjustment timelines, and worst-case scenarios. See probability-weighted cost comparison with payment volatility warnings.

Loan Details

Loan Amount

Fixed Rate (%)

ARM Initial Rate (%)

Fixed Period (years)

Rate is fixed for this period

Adjustment Cap (%)

Max rate increase per adjustment

Lifetime Cap (%)

Max rate increase over life of loan

ARM Margin (%)

Expected Index Rate (%)

Your best guess for future rates

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